1. The amount of installments available is different. The minimum cash installment is 300 yuan and the maximum is 50,000 yuan. The minimum reserve fund is 5,000 and the maximum is 300,000;

2. Interest rates are different. The interest rate of cash installment is fixed, but the interest rate of the reserve fund will fluctuate within a range according to your card usage.

3. The fees are used in different ways. The cash installment funds will be directly transferred to your All-in-One Card account at China Merchants Bank, but the reserve fund is issued to your credit card account and cannot be claimed back through overpayment.